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Mastercard Employment Verification API
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What Mastercard Employment Verification API is
Mastercard Employment Verification API helps lenders, landlords, and employers verify employment and income information during loan or mortgage decisions, tenant screening, and background checks. It can return current employment status, employer name, last pay date, and employment details covering up to 36 months. Mastercard describes the digital verification process as real time, with results delivered in seconds, and says it draws on multiple data sources with cross-verification. Verification can use digitized paystubs or direct payroll-provider connections, with income information delivered through an API. Mastercard provides employment verification report APIs, with documentation and API keys available through Mastercard Developers. The service can fit into existing workflows and help customers understand employment status throughout qualification. Consumers give permission for their data to be used, and Finicity applies physical, technological, and procedural security safeguards. The VOIE Paystub with TXVerify report is available in JSON/XML and PDF formats and supports Freddie Mac's Loan Product Advisor asset and income modeler. That workflow accepts only the latest paystub for each employment; files containing multiple paystubs cannot be processed. Prospective customers can request a demo.
Who it suits
This service suits lenders, landlords, and employers that need employment or income verification for qualification, tenant screening, or background checks. Its API-based reporting and payroll connections may fit organizations that want verification in an existing workflow.
What it does well
- Returns employment details covering up to 36 months.
- Described as delivering digital verification results in seconds.
- Offers paystub digitization or direct payroll-provider connections.
- Report formats include JSON/XML data and PDF.
- Supports Freddie Mac's Loan Product Advisor asset and income modeler.
What to know first
- Pricing is available on request.
- The TXVerify workflow cannot process files containing multiple paystubs.
- Prospective customers are directed to request a demo.
Limits
The TXVerify paystub workflow requires only the latest paystub for each employment and cannot process files containing multiple paystubs.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Employment Verification API | Pricing not stated; request a demo | On request |
As mastercard.com lists them, read 9 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the Mastercard Employment Verification solution page.
- Request a demo to discuss the solution.
- Use Mastercard Developers for API documentation and API keys.
- Choose paystub digitization or a direct payroll-provider connection for verification.
Verdict
Consider Mastercard Employment Verification API if your organization needs employment and income verification through an API for lending, tenant screening, or background checks. The service supports multiple verification routes and report formats, while pricing is provided on request. The TXVerify paystub workflow has a specific file constraint: it requires the latest paystub per employment and cannot process files with multiple paystubs.
Questions
How is Mastercard Employment Verification API priced?
The pricing model is paid, with pricing available on request.
What information can it verify?
It can provide current employment status, employer name, last pay date, and up to 36 months of employment details.
How can verification be completed?
It can use digitized paystubs or direct connections to payroll providers, with income information delivered through an API.
What report formats are available?
The VOIE Paystub with TXVerify report is provided in JSON/XML data and PDF formats.
Who is the service intended for?
Mastercard describes it for lenders, landlords, and employers, including mortgage and loan decisions, tenant screening, and background checks.
What is required for the TXVerify paystub workflow?
It requires the latest paystub per employment. Files containing multiple paystubs cannot be processed.
Facts from Mastercard Employment Verification API's own pages
- API access
- Mastercard directs developers to employment verification report APIs, documentation, API testing, and API key access through Mastercard Developers. · mastercard.com, 9 Oct 2026
- Availability
- Mastercard directs prospective customers to request a demo to discuss its employment verification solution. · mastercard.com, 4 Oct 2026
- Company founded
- Mastercard traces its founding to 1966, when a group of banks created the Interbank Card Association. · mastercard.com, 9 Oct 2026
- Company headquarters
- Mastercard states that its global headquarters are in Purchase, New York, USA. · mastercard.com, 9 Oct 2026
- Consent and security
- Mastercard says consumers grant permission for data use and that Finicity applies physical, technological, and procedural security safeguards. · mastercard.com, 4 Oct 2026
- Data coverage
- The service uses multiple data sources and cross verification for broader coverage. · mastercard.com, 9 Oct 2026
- Employment data
- Employment details include current employment and last pay date, employment status, employer name, and up to 36 months of details. · mastercard.com, 9 Oct 2026
- Freddie Mac support
- The VOIE Paystub with TXVerify solution supports Freddie Mac's Loan Product Advisor asset and income modeler. · mastercard.com, 4 Oct 2026
- Intended users
- Mastercard describes its employment and income verification services for lenders, landlords, and employers, including mortgage and loan decisions, tenant screening, and background checks. · mastercard.com, 4 Oct 2026
- Paystub limit
- The VOIE Paystub with TXVerify workflow requires only the latest paystub per employment, and files containing multiple paystubs cannot be processed. · mastercard.com, 4 Oct 2026
- Purpose
- The service provides digital employment verification for borrowers. · mastercard.com, 9 Oct 2026
- Reporting formats
- The VOIE Paystub with TXVerify report is provided in JSON/XML data and PDF formats. · mastercard.com, 4 Oct 2026
- Security
- Mastercard describes the service as fast, easy, and secure for the parties involved. · mastercard.com, 9 Oct 2026
- Speed
- Mastercard says verification is real time and delivered in seconds. · mastercard.com, 9 Oct 2026
- Support and sales
- The product page offers a request-a-demo option and links to API documentation and Mastercard support. · mastercard.com, 9 Oct 2026
- Verification options
- Verification options include paystub digitization or direct connection to payroll providers, with income information delivered via API. · mastercard.com, 9 Oct 2026
- What it does
- The service verifies employment details including current employment and last pay date, employment status, employer name, and up to 36 months of employment details. · mastercard.com, 4 Oct 2026
- Who it serves
- The product page describes use by lenders and their borrowers. · mastercard.com, 9 Oct 2026
- Workflow fit
- The product page says the service can integrate into existing workflows and help customers understand employment status throughout qualification. · mastercard.com, 4 Oct 2026
- Workflows
- The product is described as integrating into existing workflows and reducing manual processes. · mastercard.com, 9 Oct 2026
Where Mastercard Employment Verification API stands on Freedom251
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